I have been frequently transferring funds between two accounts with my wife for 4 years.

Is there a similar model? After working hard for a month, I woke up at 2 a.m. to grind points, and my initial capital of 500u is now down to 250. For the last two days, I've been grinding over 130 times each day just to get on the leaderboard, but it's all in vain. It's really too difficult.